PennyMac Financial Services (PFSI) vs Sezzle (SEZL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Sezzle (SEZL) has outperformed PennyMac Financial Services (PFSI) over the past year, gaining 43.8% versus a loss of 47.8%. Sezzle is the larger company by market cap ($4.32 billion vs $3.11 billion), about 1.4 times the size. On valuation, PennyMac Financial Services trades at a lower forward P/E (5.7x vs 19.3x for Sezzle).
PennyMac Financial Services pays a dividend yielding 2.00%, while Sezzle does not currently pay one. PennyMac Financial Services converts more of its revenue into profit, with a net margin of 2491.9% versus 29.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | PFSI | SEZL |
|---|---|---|
| Share price | $59.86 | $128.17 |
| Market cap | $3.11B | $4.32B |
| 1-day change | -2.41% | +9.34% |
| YTD return | -53.47% | +84.67% |
| 1-year return | -47.80% | +43.79% |
| 5-year return | -7.51% | — |
| P/E ratio (TTM) | 8.23 | 28.11 |
| Forward P/E | 5.68 | 19.28 |
| EPS (TTM) | $7.27 | $4.56 |
| Dividend yield | 2.00% | 0.00% |
| Annual dividend | $1.20 | $0.00 |
| Revenue (latest FY) | $20.11M | $450.28M |
| Revenue growth (YoY) | -25.16% | +66.08% |
| Net income (latest FY) | $501.08M | $133.13M |
| Operating margin | — | 39.26% |
| Net margin | 2491.93% | 29.57% |
| 52-week high | $160.36 | $195.71 |
| 52-week low | $59.13 | $49.50 |
| Distance from 52-week high | -62.67% | -34.51% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +47.96% | +30.43% |
| Average volume | 592.61K | 615.45K |
| Shares outstanding | 51.95M | 33.68M |
| Employees | 5,543 | 201 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SEZL has outperformed PFSI by 91.6 percentage points over the past year.
- Sezzle trades at a higher earnings multiple (28.1x vs 8.2x trailing P/E).
- PennyMac Financial Services offers a meaningfully higher dividend yield (2.00% vs 0.00%).
- PennyMac Financial Services is more profitable, keeping 2491.9 cents of every revenue dollar as net income versus 29.6 cents for Sezzle.
- Sezzle grew revenue faster in its latest fiscal year (+66.08% vs -25.16%).
About PennyMac Financial Services
PFSI stock →PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing.
Finance · Finance: Consumer Services · 5,543 employees
About Sezzle
SEZL stock →Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada.
Finance · Finance: Consumer Services · 201 employees
PFSI vs SEZL FAQ
Which is bigger, PennyMac Financial Services or Sezzle?
Sezzle (SEZL) is larger, with a market capitalization of $4.32B compared with $3.11B for PennyMac Financial Services (PFSI).
Which stock has performed better over the past year, PFSI or SEZL?
SEZL returned +43.79% over the past 12 months, compared with -47.80% for PFSI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PFSI or SEZL?
PFSI has the lower trailing P/E at 8.2, versus 28.1 for SEZL. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, PennyMac Financial Services or Sezzle?
PennyMac Financial Services pays a dividend yielding 2.00%, while Sezzle does not currently pay a regular dividend.
Are PennyMac Financial Services and Sezzle in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.